At American Chartered Bank we appreciate the opportunity to help you meet your financial needs and the trust you are placing with us.  We respect your privacy and have adopted the following policy to safeguard the personal information you are providing to us.  When we use the words “you” and “your” we mean all of our consumer customers who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Credit card
• Safe deposit box

We will tell you the sources for non-public personal information we collect on our customers.  We will tell you what measures we take to secure that information.
 
DEFINITIONS

• We, our, and us means American Chartered Bank.
• Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
• An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.
• A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as required by law.
 
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
 
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
 
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers.